Lovepreet Singh
Branch Manager (Mortgages - Home Loans)
Bathinda
Summary
Experienced Credit Manager knowledgeable about creditworthiness and document review with with more than 6 years of experience in the changing housing market with extensive real estate knowledge and success in client education. Adept at following financial regulations and regulatory guidelines.
Overview
6
6
years of professional experience
2
2
years of post-secondary education
Work History
Branch Manager (Mortgages - Home Loans)
HDFC Bank Limited
04.2023 - Current
- Mortgage industry professional with more than 5 years loan-processing experience and a comprehensive knowledge of conventional and modern loan appraisal programs
- Handling Mortgage branch team of 20 individuals for Home Loans and Loan Against Property
- Established, developed and maintained client referral relationships with potential and existing customers, Realtors, Builders, Developers, and others to establish and retain business
- Diligent and detail-oriented thorough in gathering borrower information, verifying loan documents and reviewing file documentation to guide each loan from pre-approval to sanctioning and further disbursement processing
- Participated in internal audits to ensure adherence to corporate guidelines and regulatory requirements related to credit management activities.
- Evaluated complex customer profiles using financial statements, credit reports, and industry data to make informed lending decisions.
- Ensured timely resolution of disputed accounts, working closely with internal and external stakeholders to maintain positive customer relationships.
- Mentored junior team members in credit management best practices to enhance overall department performance.
- Improved credit risk management by implementing effective underwriting policies and procedures.
- Reviewed and updated credit policies regularly in response to changing market conditions, industry trends, and emerging risks.
- Conducted comprehensive financial analysis to assess creditworthiness for both new and existing customers.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
Branch Manager (Mortgages)
HDFC Limited
08.2020 - 03.2023
- Analysis of financial statements of clients amd checking their viability, reliability etc
- Performing ratios analysis to check for Financial health of client
- Ensure compliance with company policies, underwriting guidelines and lending-program requirements
- Developed and maintained relationships with local real estate agents and freelancers in home loan segment
- Looked over and approved various type of loans.
Assistant Manager (Mortgages)
HDFC Limited
04.2019 - 07.2020
- Meeting with clients to ensure full understanding of residential mortgage options for which they qualify and the risks and benefits of each
- Review and verify borrowers' income, credit reports, employment histories, property appraisals and title documentation verification
- Assisted senior appraisers by ensuring all files were complete prior to underwriting.
Management Trainee (Mortgages)
HDFC Limited
06.2018 - 03.2019
- Provided support to loan officer and underwriter teams by ensuring the timely, judicious and accurate processing of mortgages
- Upheld complete confidentiality of all submitted information according to guidelines
- Reviewed financial statements and contacted sales associates and customers to clarify details.
Education
MBA -
Panjab University
Chandigarh, Chandigarh 06.2016 - 05.2018
B.Com. - undefined
University of Delhi
Grade XII - undefined
Police Public School
Grade X - undefined
Police Public School
undefined
Skills
LeadershipMicrosoft ExcelEffective Time Management
Policy application
Credit Reports
Application Review
Fraud understanding
Data Interpretation
Risk Analysis
Credit analysis
Regulatory Compliance
Data Analysis
Extracurricular Activities
2nd rank at University Level in ICICI Stockmind Season 6. Represented Punjab University in 7 day cultural exchange program TARPA 2016 organized by Department of Tourism, India at Silvassa. Elected as Department Representative for academic session of 2017-18 in University. Placement co-coordinator for University Placement Relationship Cell.
Timeline
Branch Manager (Mortgages - Home Loans)
HDFC Bank Limited
04.2023 - Current
Branch Manager (Mortgages)
HDFC Limited
08.2020 - 03.2023
Assistant Manager (Mortgages)
HDFC Limited
04.2019 - 07.2020
Management Trainee (Mortgages)
HDFC Limited
06.2018 - 03.2019
MBA -
Panjab University
06.2016 - 05.2018
B.Com. - undefined
University of Delhi
Grade XII - undefined
Police Public School
Grade X - undefined
Police Public School